Stop guessing with your money.
Start choosing where it goes.
Your goals compete for the same dollars. See what comes first, what comes next, and how far your money can take you.
Not ready? Stay in the loop.
What changes when your financial life finally connects.
Instead of managing spending, savings, debt, retirement, college, and future goals separately, the DAD Plan brings them into one system so you can see the trade-offs and choose deliberately.
See the whole picture.
Connect your income, spending, assets, goals, and future needs in one place.
See the trade-offs.
Understand what every dollar is competing with so you can choose deliberately.
Run the system.
Turn the plan into a repeatable monthly process you can confidently manage yourself.
Hi, I’m Joe. I built this because I needed it, too.
In 2009, I graduated from business school with a six-figure salary and more than $100,000 of debt. Then I bought the house, the cars, the motorcycle, and quickly discovered that making good money didn’t mean I knew what to do with it.
I felt trapped by a life I had built one financial decision at a time.
What changed wasn’t that I suddenly became more disciplined. I started looking at my finances the way I approached operations: as one connected system. I got clear on where the money was going, what I wanted it to accomplish, and what every choice meant for the others.
That clarity helped me pay off $90,000 of student debt in seven months. Over time, it helped my family eliminate our mortgage, build wealth, and create options I never had when I was living paycheck to paycheck. That was the real payoff: not better numbers, but more choices.
After 13 years at Apple and two decades working in operations, I left to help other families gain the same clarity—not by telling them what they’re allowed to spend, but by helping them see the whole picture, understand the trade-offs, and build a system they can actually run.
Take the wheel. Live free.
A financial system built around your actual life.
In four private 1:1 sessions, we turn your real finances into a plan, make the trade-offs visible, and build a system you know how to run yourself.
STEP 1
Build Your Baseline
See where your money is actually going today and how your current system stacks up against your goals.
Outcome: Understand your starting point.
STEP 2
Build Your Plan
Set priorities, work through the trade-offs, and create a cash flow plan built around your real life.
Outcome: Know what each dollar needs to do.
STEP 3
Learn to Run Your System
I walk you through the customized system and teach you how to run your monthly review yourself.
Outcome: Know how to run your system each month.
STEP 4
Validate Your First Review
You run your first monthly review on your own, then we meet one more time to fix mistakes, answer questions, and make sure you’re ready to run it on your own.
Outcome: Leave confident and self-sufficient.
You leave with:
A financial plan built from your real numbers • A customized system to manage it • Four private 1:1 sessions • Training to run it yourself • Ongoing workbook support
Takes about 5-10 minutes. You’ll schedule a 30-minute fit call and complete a short intake form.
One-time investment: $999
Desktop Microsoft Excel required; license not included.
Not ready for a Test Drive? Stay in the loop.
Featured In
My story first gained national attention after I paid off $90,000 of student debt in seven months.
That story started with debt. The work today is bigger: helping families understand how their money connects, see the trade-offs, and use it deliberately to create more options.